Overview of Advanced E&S Group — Restaurants Insurance
Advanced E&S Group - Midwest Region offers a restaurants insurance program designed for independent agents and brokers placing commercial restaurant, bar, and foodservice risks. As a Managing General Agency and Excess & Surplus lines broker, Advanced E&S leverages a panel of specialty carriers to provide flexible property and casualty placements when admitted markets are limited or not available.
Ideal Accounts and Appetite
- Independent full-service restaurants and casual dining locations
- Quick-service and fast-casual concepts
- Cafés, bakeries, caterers, and small commissaries
- Bars, taverns, and venues that serve alcohol (subject to underwriting)
- Small brewery taprooms, wine bars, and hybrid food/beverage operations
Advanced E&S is well suited for accounts that need packaged property & liability programs or tailored monoline products (e.g., liquor liability, equipment breakdown, spoilage). While the program is focused on typical restaurant operations, higher-hazard accounts—such as large capacity nightclubs, properties with significant history of violent incidents, or operations with substantial pyrotechnics or manufacturing exposure—should be submitted for prior discussion with underwriters.
Coverage Highlights and Advantages
- Comprehensive coverage options: property, general liability, liquor liability, equipment breakdown, crime, spoilage and food contamination, inland marine, and more.
- Ability to place both package and monoline solutions to address specific exposures (example: standalone liquor liability or equipment breakdown endorsements).
- Access to surplus lines capacity for accounts that exceed admitted market guidelines or require tailored terms.
- Policy features geared to restaurants: spoilage/food contamination limits, business income for closed-for-cleanup scenarios, and assault & battery coverage where appropriate.
- Umbrella and excess layers available through partner carriers to round out limits.
Underwriting Notes and Minimum Premiums
Underwriting focuses on loss history, alcohol exposure and controls, kitchen and fire protection systems, payroll and revenue mix, and any delivery/drive-through exposures. Exact terms and pricing depend on the account profile and selected markets. Minimum premium: Varies by state and carrier — please reference the underwriter for current minimums and program guidelines.
Territories and Availability
This restaurants insurance program is available across the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI. Placements are handled through surplus lines channels where appropriate; admitted options may not be available in every state.
Why Work With Advanced E&S Group
- Specialized MGA/E&S broker expertise for restaurant and foodservice classes.
- Responsive underwriting and flexible forms to match operations from small cafés to busy neighborhood restaurants.
- Access to multiple surplus markets to place difficult or nonstandard risks.
- Agent-focused service: detailed submissions are reviewed promptly, and underwriters can provide guidance on risk improvements to improve terms.
Example Scenarios
You might have a single-location bistro with dine-in, takeout, and modest liquor sales that needs a packaged property/liability program with spoilage coverage and liquor liability. Advanced E&S can quote a tailored package. Or, you may represent a fast-casual chain with multiple locations that needs equipment breakdown and business income for a high-value kitchen—this program can place those monoline exposures through surplus markets when needed.
Frequently Asked Questions
What types of restaurant accounts does this program prefer?
We prefer independent and small chain restaurants, quick-service and casual dining, cafés, bakeries, and bars with controlled alcohol exposure. Large nightclubs, venues with chronic violent loss history, or operations with unusual manufacturing exposures should be discussed with underwriters prior to submission.
Are both package and monoline coverages available?
Yes. Advanced E&S can provide packaged property & liability programs or individual monoline products such as liquor liability, equipment breakdown, spoilage, and inland marine depending on the account needs.
Is this an admitted program?
Advanced E&S operates as an MGA and surplus lines broker. Many placements are written through non-admitted (E&S) carriers. Availability of admitted options depends on state and carrier appetite.
What information should I include in a submission?
Provide a completed application, current loss runs (usually 3–5 years), revenue and payroll breakdown, details on alcohol sales and controls, description of kitchen equipment and suppression systems, and any prior risk-control measures. The underwriter can request additional items based on the account.
Need help placing an account? Connect with a market specialist.